Cape Cod Five Cents Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 9.26 percentage points lower than in Q1 2026, at 104.26%. Cape Cod Five Cents Savings Bank ranks 35th of 89 Massachusetts banks on return on assets, in the upper half at 0.79% (Q2 2026). Cape Cod Five Cents Savings Bank reported 0.79% on return on assets for Q2 2026, 0.49 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.18% |
| Tier 1 risk-based capital ratio | 18.18% |
| Total risk-based capital ratio | 18.83% |
| Tier 1 leverage ratio | 11.11% |
| Equity capital to assets | 10.60% |
| Tangible equity to tangible assets | 10.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.47% |
| Non-performing assets ratio | 0.36% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 3.30% |
| Allowance for credit losses to loans | 0.49% |
| Reserve coverage of non-performing loans | 104.26% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.79% |
| Return on equity | 7.32% |
| Net interest margin | 2.79% |
| Efficiency ratio | 71.00% |
| Yield on earning assets | 4.61% |
| Cost of funds | 1.93% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.72% |
| Core deposits to total deposits | 92.57% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.21% |
| Securities to assets | 12.11% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.50% | 15.50% | 16.20% | 9.60% | 0.50% |
| Q4 2023 | 15.75% | 15.75% | 16.48% | 9.77% | 0.55% |
| Q1 2024 | 15.73% | 15.73% | 16.44% | 9.77% | 0.33% |
| Q2 2024 | 15.26% | 15.26% | 15.95% | 9.55% | 0.46% |
| Q3 2024 | 15.45% | 15.45% | 16.15% | 9.53% | 0.58% |
| Q4 2024 | 15.97% | 15.97% | 16.65% | 9.77% | 0.58% |
| Q1 2025 | 16.55% | 16.55% | 17.25% | 10.10% | 0.63% |
| Q2 2025 | 16.64% | 16.64% | 17.33% | 10.27% | 0.66% |
| Q3 2025 | 17.04% | 17.04% | 17.73% | 10.34% | 0.82% |
| Q4 2025 | 17.55% | 17.55% | 18.24% | 10.57% | 0.71% |
| Q1 2026 | 18.09% | 18.09% | 18.77% | 10.93% | 0.71% |
| Q2 2026 | 18.18% | 18.18% | 18.83% | 11.11% | 0.79% |
Cape Cod Five Cents Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cape Cod Five Cents Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Cape Cod Five Cents Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23287) · FFIEC NIC profile (RSSD 664206)